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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,328 | $55,932-15.4% | $76,735-38.3% | $67,986-30.4% |
| Participation rate | 43.9% | 50.8%-6.9pp | 69.5%-25.6pp | 57.2%-13.3pp |
| Annual return | 21.75% | 23.10%-1.3pp | 29.77%-8.0pp | 31.67%-9.9pp |
| Employer contribution / active EE | $1,978 | $1,487+33.1% | $2,454-19.4% | $2,019-2.0% |
| Participant deferral / active EE | $4,430 | $2,558+73.2% | $4,088+8.4% | $3,358+31.9% |
| Admin fee / account holder | $2,181 | $4,907-55.5% | $7,189-69.7% | $3,203-31.9% |